Graph and download economic data for Delinquency Rate on Single-Family Residential Mortgages, Booked in Domestic Offices, All Commercial Banks (DRSFRMACBS) from Q1 1991 to Q3 2025 about domestic offices, delinquencies, 1-unit structures, mortgage, family, residential, commercial, domestic, banks, depository institutions, rate, and USA.

Following the drastic increase directly after the COVID-19 pandemic, the delinquency rate started to gradually decline, falling below *** percent in the second quarter of 2023. In the second half of 2023, the delinquency rate picked up but remained stable throughout 2024. In the second quarter of 2025, **** percent of mortgage loans were delinquent. That was significantly lower than the **** percent during the onset of the COVID-19 pandemic in 2020 or the peak of *** percent during the subprime mortgage crisis of 2007-2010. What does the mortgage delinquency rate tell us? The mortgage delinquency rate is the share of the total number of mortgaged home loans in the U.S. where payment is overdue by 30 days or more. Many borrowers eventually manage to service their loan, though, as indicated by the markedly lower foreclosure rates. Total home mortgage debt in the U.S. stood at almost ** trillion U.S. dollars in 2024. Not all mortgage loans are made equal ‘Subprime’ loans, being targeted at high-risk borrowers and generally coupled with higher interest rates to compensate for the risk. These loans have far higher delinquency rates than conventional loans. Defaulting on such loans was one of the triggers for the 2007-2010 financial crisis, with subprime delinquency rates reaching almost ** percent around this time. These higher delinquency rates translate into higher foreclosure rates, which peaked at just under ** percent of all subprime mortgages in 2011.

Mortgage delinquency rates increased in most states in 2024. That year, the percentage of total mortgage debt that was more than ** days delinquent was the highest in Louisiana, at **** percent. Conversely, Wisconsin and Montana had the lowest delinquency rates, at under **** percent. The overall mortgage delinquency rate in the United States declined since spiking at the beginning of the pandemic, as the U.S. job market rebounded over the course of 2020 and 2021.

Credit card delinquency reached its highest level since 2019 in the first quarter of 2024, whereas mortgage delinquency declined to its lowest level. This is according to consumer data supplied by large banks that have to report such figures when handling over 100 billion U.S. dollars worth of assets. **** percent of credit card balances were ** days late - the highest percentage since tracking began in 2012. First-lien mortgage origination remained historically low, likely due to high interest rates and housing prices. Note the graphic shown here is different from another source on credit card delinquency rates in the U.S., as those figures are aggregates.

Graph and download economic data for Delinquency Rate on Commercial Real Estate Loans (Excluding Farmland), Booked in Domestic Offices, All Commercial Banks (DRCRELEXFACBS) from Q1 1991 to Q3 2025 about farmland, domestic offices, delinquencies, real estate, commercial, domestic, loans, banks, depository institutions, rate, and USA.

The delinquency rate on real estate loans at commercial banks in the United States rose slightly between the fourth quarter of 2022 and the fourth quarter of 2024. Nevertheless, delinquencies remained below the 2020 levels, when the share of loans past due 30 days rose due to the COVID-19 pandemic. Recently, the gap between residential and commercial real estate loans has narrowed, with the delinquency rate for commercial real estate rising faster than for residential.

United States - Delinquency Rate on Single-Family Residential Mortgages, Booked in Domestic Offices, All Commercial Banks was 1.78% in July of 2025, according to the United States Federal Reserve. Historically, United States - Delinquency Rate on Single-Family Residential Mortgages, Booked in Domestic Offices, All Commercial Banks reached a record high of 11.49 in January of 2010 and a record low of 1.41 in October of 2004. Trading Economics provides the current actual value, an historical data chart and related indicators for United States - Delinquency Rate on Single-Family Residential Mortgages, Booked in Domestic Offices, All Commercial Banks - last updated from the United States Federal Reserve on December of 2025.

Federal Housing Administration (FHA) loans had the highest delinquency rate in the United States in 2025. As of the second quarter of the year, ***** percent of the outstanding one-to-four family housing mortgage loans were ** days or more delinquent. This percentage was lower for conventional loans and Veterans Administration loans. Despite a slight increase, the delinquency rate for all mortgages was one of the lowest on record.

BackgroundWhere the data come fromThe Mortgage Performance Trends data come from the NMDB, a joint project we’ve undertaken with the Federal Housing Finance Agency (FHFA). For more information, visit the NMDB program page .The core data in the NMDB come from data maintained by one of the top three nationwide credit repositories. The NMDB has a nationally representative, 5 percent sample of all outstanding, closed-end, first-lien, 1–4 family residential mortgages.The data and analyses presented herein are the sole product of the CFPB. Use of information downloaded from our website, and any alteration or representation regarding such information by a party, is the responsibility of such party.Why the data matterMortgage delinquency rates reflect the health of the mortgage market, and the health of the overall economy.The 30–89 mortgage delinquency rate is a measure of early stage delinquencies. It generally captures borrowers that have missed one or two payments. This rate can be an early indicator of mortgage market health. However, this rate is seasonally volatile and sensitive to temporary economic shocks.The 90–day delinquency rate is a measure of serious delinquencies. It generally captures borrowers that have missed three or more payments. This rate measures more severe economic distress.PrivacyThe Mortgage Performance Trends data have many protections in place to protect personal identity. Before the CFPB or the FHFA receive any data for the NMDB, all records are stripped of information that might reveal a consumer’s identity, such as names, addresses, and Social Security numbers. All data shown are aggregated by state, metropolitan statistical area, or county.

United States - Delinquency Rate on Single-Family Residential Mortgages, Booked in Domestic Offices, Banks Ranked 1st to 100th Largest in Size by Assets was 1.94% in October of 2024, according to the United States Federal Reserve. Historically, United States - Delinquency Rate on Single-Family Residential Mortgages, Booked in Domestic Offices, Banks Ranked 1st to 100th Largest in Size by Assets reached a record high of 12.66 in January of 2010 and a record low of 1.36 in January of 2005. Trading Economics provides the current actual value, an historical data chart and related indicators for United States - Delinquency Rate on Single-Family Residential Mortgages, Booked in Domestic Offices, Banks Ranked 1st to 100th Largest in Size by Assets - last updated from the United States Federal Reserve on December of 2025.

Graph and download economic data for Delinquency Rate on All Loans, All Commercial Banks (DRALACBN) from Q1 1985 to Q3 2025 about delinquencies, commercial, loans, banks, depository institutions, rate, and USA.

Graph and download economic data for Delinquency Rate on Consumer Loans, All Commercial Banks (DRCLACBS) from Q1 1987 to Q3 2025 about delinquencies, commercial, loans, consumer, banks, depository institutions, rate, and USA.

The mortgage delinquency rate for Federal Housing Administration (FHA) loans in the United States has declined since 2020, when it peaked at ***** percent. In the second quarter of 2025, ***** percent of FHA loans were delinquent. Historically, FHA mortgages have the highest delinquency rate of all mortgage types.

Graph and download economic data for Delinquency Rate on Credit Card Loans, All Commercial Banks (DRCCLACBS) from Q1 1991 to Q3 2025 about credit cards, delinquencies, commercial, loans, banks, depository institutions, rate, and USA.

The mortgage delinquency rate for Veterans Administration (VA) loans in the United States has decreased since 2020. Under the effects of the coronavirus pandemic, the mortgage delinquency rate for VA loans spiked from **** percent in the first quarter of 2020 to **** percent in the second quarter of the year. In the second quarter of 2024, the delinquency rate amounted to **** percent. Historically, VA mortgages have significantly lower delinquency rate than conventional mortgages.

In Hong Kong's banking sector, the default rate on mortgages is very low. In 2024, the delinquency ratio of residential mortgage lending by authorized banking institutions stood at ****. The value of issued mortgages exceeded **** trillion Hong Kong dollars.

quarter 30 DLQ (% Vol) 60+ DLQ (% Vol) Q4 2023 0.876% 0.563% Q1 2024 0.875% 0.491% Q2 2024 0.510% 0.605% Q3 2024 0.499% 0.685% Q4 2024 0.938% 0.783% Q1 2025 1.034% 0.534% Q2 2025 0.531% 0.736%

View quarterly updates and historical trends for US Auto Loans Delinquent by 90 or More Days. from United States. Source: Federal Reserve Bank of New York…

As of November 2024, the delinquency ratio for household loans in South Korea remained steady at *** percent.

Delinquency Prevention Platforms for Mortgage Market Outlook

According to our latest research, the global market size for Delinquency Prevention Platforms for Mortgage reached USD 3.62 billion in 2024, reflecting strong demand for advanced risk management solutions across the mortgage sector. The market is projected to expand at a robust CAGR of 11.2% from 2025 to 2033, with the total market size expected to reach USD 9.29 billion by 2033. This growth is primarily driven by the increasing digital transformation initiatives in financial institutions and the urgent need for proactive measures to mitigate mortgage delinquency risks as economic volatility continues to impact borrower repayment behaviors.

One of the primary growth factors for the Delinquency Prevention Platforms for Mortgage market is the rapid adoption of digital technologies by financial institutions aiming to streamline loan servicing and enhance operational efficiencies. The integration of artificial intelligence, machine learning, and big data analytics into these platforms allows lenders to identify early warning signs of potential delinquencies, assess borrower risk profiles more accurately, and automate communication processes. This not only reduces manual intervention and operational costs but also significantly improves the ability of lenders to proactively engage with at-risk borrowers, thereby reducing overall default rates. As the mortgage landscape becomes increasingly competitive, organizations are investing heavily in sophisticated software and services that offer predictive insights and robust risk assessment capabilities.

Another significant driver is the evolving regulatory landscape, which is compelling mortgage lenders and servicers to adopt comprehensive compliance frameworks. Governments and regulatory bodies across regions are mandating stricter oversight and reporting requirements to ensure financial stability and consumer protection. Delinquency prevention platforms are being tailored to help institutions meet these stringent standards by providing real-time monitoring, automated compliance checks, and detailed audit trails. This not only aids in minimizing legal and reputational risks but also enhances lender credibility and customer trust. The growing emphasis on regulatory compliance is expected to further fuel the demand for advanced delinquency management solutions over the forecast period.

The market is also benefitting from a heightened focus on customer experience and retention. As mortgage borrowers increasingly expect personalized and timely communication from their lenders, delinquency prevention platforms are evolving to include advanced customer engagement modules. These modules leverage data analytics to tailor outreach strategies, offer customized repayment plans, and provide educational resources to borrowers facing financial hardships. By proactively addressing borrower needs and concerns, lenders can foster long-term relationships, minimize the risk of default, and enhance brand loyalty. This customer-centric approach is becoming a critical differentiator in the mortgage industry, further accelerating the adoption of comprehensive delinquency prevention solutions.

From a regional perspective, North America continues to dominate the Delinquency Prevention Platforms for Mortgage market, accounting for the largest share in 2024, driven by the early adoption of advanced technologies and a highly regulated financial services environment. However, Asia Pacific is emerging as the fastest-growing region, propelled by rapid urbanization, rising homeownership rates, and increasing investments in digital infrastructure. European markets are also witnessing steady growth, supported by robust regulatory frameworks and a strong focus on risk management. Latin America and the Middle East & Africa are gradually catching up, with financial institutions in these regions recognizing the value of proactive delinquency management in enhancing portfolio performance and mitigating credit risks.

Component Analysis

The Delinquency Prevention Platforms for Mortgage market is segmented by component into Software and Services, each playing a pivotal role in the overall ecosystem. The software segment encompasses core platforms equipped with analytics engines, risk assessment tools, early warning systems, and automated communication modules. Thes